Will give you specific tips in each area on how to save money, none are much more than common sense, and methods that we employee personally... and have for 40 years.

This is us outside our home in Arizona...your home is always a good place to start.

Strategies to save money... start at home

If you are looking for ways to save money downsizing to a smaller home is a great way to start.

Walk around your home and check the areas that you seldom use... these would be areas like formal dining room, formal living room, guest bedrooms.

Then go back and look at what she use on a daily basis... invariably they will be the bedroom, bathroom and shower, kitchen, and usually a favorite chair to watch TV or read... that's not much space is it?

We first discovered how little you need when we moved from a home to a 35 foot sailboat.

Strategies to save money... your shopping

Last way to easily save money... insurance

The best advice, is to use an independent broker who can expose you to the cheapest products. If you walk into an Allstate office, do you think he's going to tell you about Geico? Or Aetna?

Fortunately for health insurance, there is a way to evaluate policies without giving out your phone number and deciding for yourself what's policy is best for your family. Here is what we have used for 12 years.